Form 5500 · Employee benefit plan · SAINT LOUIS, MO
WEBSTER UNIVERSITY
The filing calls this plan WEBSTER UNIVERSITY GROUP BENEFITS PLAN.
WEBSTER UNIVERSITY of SAINT LOUIS, MO insures health, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MARSH & MCLENNAN AGENCY. Coverage is written through STANDARD INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 43-0662529 · plan 511 · plan year 2024, filed Oct 9, 2025
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1,182 other employer plans in Missouri have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 7 insured contracts covering health, vision, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 601 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 2 contracts here that do not say what they cover.
Reported premium across the insured contracts is $519,354, with $90,542 in disclosed broker commissions — about 17% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MARSH & MCLENNAN AGENCY is the broker of record on 3 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Health | 199 | Jan 1, 2025 | $58,644 | $40,956 |
| STANDARD INSURANCE COMPANY | Life | 601 | Jan 1, 2025 | $185,672 | $17,268 |
| VISION SERVICE PLAN | Vision | 471 | Jan 1, 2025 | $89,829 | $17,067 |
| STANDARD INSURANCE COMPANY | Disability | 97 | Jan 1, 2025 | $38,702 | $7,221 |
| STANDARD INSURANCE COMPANY | Disability | 591 | Jan 1, 2025 | $111,244 | $3,871 |
| METLIFE LEGAL PLANS | — | 93 | Jan 1, 2025 | $26,798 | $2,889 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 15 | Jan 1, 2025 | $8,465 | $1,270 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 762717. For the contract year on this filing, the carrier reported $185,672 in premium earned and $43,810 in claims incurred. Dividing one by the other gives 24%.
STANDARD INSURANCE COMPANY, contract 762717. For the contract year on this filing, the carrier reported $38,702 in premium earned and $12,054 in claims incurred. Dividing one by the other gives 31%.
- STANDARD INSURANCE COMPANY, contract 762717 reported $141,858 in retention.
- STANDARD INSURANCE COMPANY, contract 762717 reported $26,648 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Reported to OSHA
Reported to OSHA for 2025: 3,287 employees, 1 recordable cases, 1 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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